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A comment on Online installment loans have taken the subprime market by storm. Parent comment

Re:Online installment loans have taken the subprime market b... by tboughen on Tuesday October 29, 2019 @12:55PM (#21389318)
I think the charge per hour aspect reflects the amortised cost of engaging in the activity.

Books can be free if borrowed from a library - but ownership has an ‘hourly cost’

Mind sports like chess have an insanely low hourly cost, but regular sports that involve consumables like trainers have an hourly cost.

Music is free if you sing, but otherwise involves buying and maintaining an instrument. Strings, for example are consumables.

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Re:Online installment loans have taken the subprime market b... by SkyBelow on Tuesday October 29, 2019 @04:12PM (#21391460)
>Books can be free if borrowed from a library - but ownership has an ‘hourly cost’

Even the library has a cost, but it is generally much much lower if you have good access to a library.

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